Most personal-finance plans optimise inputs and forget the score. Net worth is the score. Quarterly delta — not absolute level — is the signal.
Three points on the trajectory — fill from one and adjust line by line.
Net worth = Assets − Liabilities, at fair market value today. Use realistic resale for real estate (not circle rate), market price for equity/MF, current balance for EPF/PPF/NPS.
Liquid vs locked. Liquid (cash, FD, equity, MF, gold) = reachable in <7 days. Locked (EPF, PPF, NPS, real estate) = takes months or years to convert; some have lock-in penalty. Healthy households keep 20-30% liquid; emergency fund of 6 months expenses sits inside the liquid bucket.
Self-occupied real estate is an asset but not investable. It can't fund retirement unless you downsize or reverse-mortgage. Don't count on it for goals other than "a roof."
What this excludes: ESOPs not yet vested, contingent assets (court awards, insurance claims), HUF assets unless you have beneficial interest, gifts received not yet transferred. When in doubt, exclude.
How to use this: track quarterly. The delta — and which line items moved — is more useful than the absolute number. Three years of quarterly snapshots reveals trajectory and savings rate in a way an annual income figure cannot.
Calculators on this site use the inputs you provide and the assumptions disclosed in their methodology. Returns are not promised or guaranteed. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.